Auto Body Shop Financing Nationwide for Collision and EV Repair Shops, $10K to $5M
🎨 Financing Built for Auto Body and Collision ShopsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Auto body shop financing deals with three realities no other shop faces. The equipment is heavy: frame machines, paint booths, welders and measuring systems run into real money. The pay is slow: you do the work, then wait on the insurer to release the claim, so your cash is tied up in cars you have already fixed. And the future is electric: certified EV collision repair on wrecked Teslas, Rivians and Ford Lightnings demands OEM-specific tooling and dedicated bays. I match you to lenders who fund collision shops for all three.
Auto Body Shop Financing for Every Part of the Shop
Whether you’re financing a paint booth, bridging slow insurance claims, or getting OEM-certified for EV collision work, there’s a path built for it. Here’s what auto body shop financing commonly covers.
Frame and Structural Equipment
Finance frame machines, measuring systems, welders, riveters and pulling equipment, with the equipment itself as collateral.
Paint Booths and Prep
Finance downdraft paint booths, prep stations, mixing systems and curing equipment, the backbone of a collision shop.
EV Collision Certification
Finance the OEM-specific tooling, aluminum-rated equipment and dedicated bays to get certified for EV collision repair on cars, SUVs and trucks.
Insurance-Cycle Working Capital
Cover payroll, parts and paint while you wait on insurers to release claims on cars you have already repaired.
Shop Build-Out and Real Estate
Expand bays or own your building with long-term, fixed-rate SBA 504 and commercial real estate financing.
Acquisition and Growth
Buy an existing collision shop, fund a partner buy-in, or open a second location, often through SBA 7(a).
A Collision Shop Got EV-Certified and Bridged Its Insurance Claims After the Bank Passed
A busy collision shop wanted to get OEM-certified for EV repair, the work its competitors could not legally touch, but certification meant buying aluminum-rated structural equipment and building a dedicated bay. At the same time, six figures of finished work sat waiting on insurers to release the claims, choking the cash it needed to invest. The bank balked at both.
They called me. I matched the shop to equipment financing on the structural and EV-certification tooling with the gear as collateral, plus a working-capital line sized to its insurance receivables. It got OEM-certified, started booking EV collision jobs at premium rates, and stopped letting slow claims strangle the business.
That’s what the right match looks like for a collision shop. Don’t Beg the Bank! Get funded instead.
Auto Body Shop Financing, the Right Tool for Each Need
Auto body shop financing isn’t one product. The right structure depends on your equipment, your insurance receivables and your EV plans. I match you to the one that fits, tap any to explore it.
Equipment Financing
Frame machines, paint booths, welders and EV-certification tooling, with the equipment as collateral.
See SBA 7(a)Invoice Factoring
Advance cash against slow insurance and fleet claim receivables, underwritten on the payer’s credit.
See invoice factoringSBA 504 and Real Estate
Own the building your shop operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504Working Capital
Cover payroll, parts and paint while claims are still in process, fast operating cash.
See working capitalSBA 504 and Real Estate
Own your shop or expand bays with long-term, fixed-rate SBA 504 and commercial real estate financing.
See working capitalLine of Credit
Revolving capital for parts, paint and payroll while claims are in process, draw only what you need.
See lines of creditQualifying for Auto Body Shop Financing
Auto body shop financing has real anchors: the equipment holds resale value as collateral, and insurance receivables are real, verifiable money owed by creditworthy carriers. So a collision shop with equipment to finance, a steady claim volume and decent credit has strong options, even when a bank balks at slow insurance pay or an EV-certification build-out. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating collision or body shop, or a clear plan and the bays to run it.
- ✔Equipment and steady claim volume, the foundation a collision-shop lender wants.
- ✔Equipment to finance and steady claim volume a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Equipment, including EV-certification tooling, is financed with the gear as collateral.
- →Slow insurance receivables can be factored, underwritten on the carrier’s credit, not just yours.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Auto Body Shop Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your auto body shop financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Auto Body Shop Financing From My Desk
A snapshot of the auto body shop financing I match to lenders nationwide, shop by shop. Every shop and booth is different, yours starts with a conversation.
Auto Body Shop Financing · EV Certification
A collision shop financed aluminum-rated structural tooling and a dedicated bay to get OEM-certified for EV repair.
Paint Booth
A body shop financed a new downdraft paint booth and prep station with the equipment as collateral.
Insurance-Claim Line
A shop opened a working-capital line to cover payroll and parts while six figures of claims were still in process.
How I Match Auto Body Shop Financing to the Right Lender
Most banks see slow insurance pay and a six-figure equipment build-out and freeze, but the lenders who understand collision shops read your equipment and your insurance receivables correctly. I work with many, so I match your auto body shop financing to the lender that funds your real need, frame and paint equipment, insurance-cycle working capital, EV-collision certification or a build-out, and I review the options with you before you commit.
Here’s the reality for a collision shop. Three forces shape your cash, and only one of them is in your control. The equipment is heavy and expensive: frame machines, measuring systems, downdraft paint booths, welders and pulling equipment are major capital purchases. The pay is slow and out of your hands: you complete the repair, then wait on the insurer to inspect, approve and release the claim, so your cash sits locked in cars you have already fixed and handed back. And the future is electric: certified EV collision repair on wrecked cars, SUVs and trucks like Teslas, Rivians and Ford Lightnings is gated by OEM certification, which requires specific aluminum-rated structural tooling, high-voltage battery-safety procedures and dedicated bays, the shop that gets certified can charge premium rates for work competitors are not allowed to touch. The right lenders work differently: equipment, including EV-certification tooling, is financed with the gear itself as collateral, and slow insurance receivables are bridged with working capital or factored on the carrier’s credit. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of equipment, build-out and acquisition financing.
The right structure depends on what you’re doing. Shop equipment usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Frame machines, paint booths, welders and EV-certification tooling are best matched to equipment financing, where the gear is the collateral, and slow insurance claims are bridged with working capital or factored. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Buying an existing shop points to SBA 7(a) financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what your shop needs, a paint booth, structural equipment, capital to ride out slow claims, or EV-collision certification, and I’ll tell you honestly which auto body shop financing fits, match you to a lender who funds collision shops, and stay with you through closing. Other auto and transportation businesses, see my auto and transportation business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is auto body shop financing?
How do I get paid faster while waiting on insurance claims?
Can I finance EV collision certification and tooling?
Can I finance a paint booth or frame machine separately?
How much auto body shop financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Collision Shops
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Auto lending has its own specialist lenders who understand collision equipment, the insurance-claim cycle and the EV-certification transition, and matching you to the right one, for equipment, working capital, factoring or a build-out, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll freeze at slow insurance pay and a six-figure build-out. I match you to auto body shop financing built for collision work … finance the frame machines and paint booths, bridge the slow insurance claims, certify for EV collision repair, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, shop and claim performance, collateral and structure. Auto body shop financing generally ranges from $10,000 to $5 million depending on the equipment and need. *Equipment financing and working capital are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqfactoring underwritten substantially on the insurance carrier’s credit rather than the borrower’s prior’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.